Premier Home Comprehensive Insurance

Added peace of mind with comprehensive protection

  • The precious moments you enjoy at home are now extended with Premier Home Comprehensive Insurance. Our all-in-one insurance package takes care of you and your family members, giving you total protection for your home contents, personal belongings, buildings as well as domestic helpers.

Latest Promotion

 

Please click here for latest promotion details.

Product Features

"Premier Home Comprehensive Insurance" provides a wide range of protection schemes, giving you peace of mind and the time to enjoy a care-free life.

  • All-rounded household coverages of up to HK$1,200,000(per event), cover the accidental loss and damage to your Home Contents. e.g. in the event of typhoon, fire, explosion, burglary, Malicious Damage by Tenant and other incidents
  • Cover accidental physical loss of or damage to the window at Home as a direct result of typhoon and rainstorm, up to HK$20,000 (per event), from July to October every year
  • Legal Liability coverages of up to HK$10,000,000(per event/year), covers your legal liability as a homeowner, a resident or a tenant and the homeowner’s liability in the common part of the building of your home
  • 3 Plan types with value-added choices, just pick and choose our optional benefits upon your needs

 

MAJOR EXCLUSIONS (Please refer to policy provisions for detailed exclusions)

General exclusions applicable to the Policy 

  • Wear and tear;  
  • electrical or mechanical breakdown;  
  • spectacles, contact lenses, dentures or prostheses;;  
  • pagers, portable phones(except as defined under - Extension Coverage to I. BASIC BENEFIT – item H. Laptop Computer and mobile phone);  
  • deliberate or malicious act(except as defined under - Extension Coverage to I. BASIC BENEFIT – item M. Malicious Damage by tenant);
  • war, act of terrorism;  
  • damage due to poor construction or lack of maintenance of the Buildings;  
  • damage caused by any unexplained or mysterious disappearance and consequential loss;  
  • any part of the structure of the Buildings (except as defined under - II. OPTIONAL BENEFITS – 6.BUILDINGS);
  • damage caused by water seepage, etc. 

 

Exclusion to Extension Coverage to I. BASIC BENEFIT - item B. Interior Decoration/ Refurbishment Works 

  • any loss directly or indirectly caused by bursting of water pipes and/or blocking of drainage system;  
  • any loss or damage directly caused by the workmanship in the decoration works.

Exclusive Privilege to Mortgage Customers

"Premier Home Comprehensive Insurance" Mortgage Customer Plan is available to customers with BOCHK residential property mortgage loan service, and can be applied via mobile banking now. Details

Product Video

Please read the illustrative example in the product video.

Terms and Conditions:

  • This Plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
  • Bank of China (Hong Kong) Limited (“BOCHK”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not BOCHK.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
  • BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
  • The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website www.ia.org.hk.